People are of utmost importance at Volunteer Federal - one of its strongest assets as well as a distinguishing characteristic. By emphasizing people and not facilities, Volunteer Federal has grown from a single room mortgage loan office into a six branch full service institution. The common denominator throughout over 35 years of Volunteer Federal history is its people. Volunteer Federal has operated under the same president since its inception. The majority of the board of directors has been with the bank since its beginning as well. They comprise some of the most astute businesspeople in the county, who have sculpted the bank's underlying strengths with their own principles, virtues, and community-minded leadership.

We know the continued growth and success of our business depends on the trust, friendship, and loyalty of our customers - which is dependent on our personnel. The longevity of employees at Volunteer Federal attests to its strong foundation: nearly half have been with the bank for more than 10 years. Every individual at our bank is dedicated to the financial, economic, and social strength of the communities we serve. A true spirit of giving permeates every department at Volunteer Federal. Ours is an extended family, which selflessly contributes to the well-being of each member, and extends the same caring attitude to the individual customers and to each home town community it serves.

In these days of giant financial conglomerates, nationwide banks, and foreign outsourcing of customer service, a full service community bank with home town faces might seem a thing of the past.

Even with the convenience of online banking, ATMs, and mobile transactions, meeting face-to-face and personally interacting with your banker is a welcome option. At Volunteer Federal, the staff at your branch are probably the same neighbors you see at the school softball game or share a bench with at church or work with as a community volunteer. Regular customers are greeted by name as soon as they enter the lobby, and this is an aspect of doing business that our customers highly value.

Accenting our friendliness and professionalism is the high level of service and decision-making at our branches. With little exception, each town we serve has easy access to all our services and functions, including loan production officers at five of the six branches, and loan processing at four of the six. How can you go wrong in a bank where each branch thinks theirs the best one? It's a pride and confidence which comes from knowing their customers are happy. Exceptional customer service enables Volunteer Federal to effectively attract, retain, and develop lasting relationships with you, our customers.